Presented By: Eric W. Harding CRPC®, PRPSenior Vice President - InvestmentsWells Fargo Advisors, LLC

Client Service Model

On-Site Education and Service

Education and Service Model

One-on-one enrollment meetings at all locations

Quarterly, Semi-annual or annual statement reviews

Over-55 pre-retirement meetings

Access for all employees to professional financial advisors at your workplace

Quarterly fund performance reviews

One-On-One Enrollment Meetings

Enhanced level of investment education

Increased participation thereby reducing testing problems for plan sponsor

Statement Reviews

Quarterly private statement reviews

Conducted on site to encourage employees to seek advice

Ongoing investment education helps keep employees on the right track for retirement

Over-55 Pre-Retirement Meetings

Required meetings ensure that your employees are aware of how they may want to be allocated as they get closer to retirement

Employees who do not want to meet must sign a benefit declination form

Keeping declination forms in employee files helps protect you in the future

Access to Investment Professionals

Every employee (regardless of salary) will have access to a financial professional.

Financial Advisors can help employees with all aspects of their financial life from educational planning to estate investment planning. We can also provide access to lending services through affiliates.

Employees who are less worried about their finances are more productive at work.

Performance Reviews

Performance review document provided each quarter for your files

Helps you comply with ERISA section 404(a) and 404(c) requirements

Ensures that you are always using the best funds available to you and that all asset sectors are covered

Meet the Team

Eric W. Harding PRP, CRPC®Senior Vice President - Investments

Team leader

20+ Years Investment Experience

Chartered Retirement Planning Counselor

PlanSponsor Retirement Professional

Experience managing plans for NYSE and NASDAQ listed companies

One of Wells Fargo Advisor’s leading retirement plan advisors

Brad MayerFinancial Consultant

Brad has been a Financial Consultant with Wells Fargo Advisors for the past 6 years.

Prior to joining Wells Fargo Advisors, Brad worked for Baylor University, Intel Corporation, Procter & Gamble, and Western Atlas International.

Brad’s focus is on developing comprehensive investment plans utilizing both managed fee-based accounts and traditional brokerage accounts.

Brad received his master’s degree in finance from Indiana University and his bachelor’s degree in finance from Baylor University.

Front Office Support

Day to day participant service and support

Process participant distribution and rollover requests

Answer participant’s questions about plan specific rules

Handle travel and scheduling for service model implementation

Direct any participant’s escalated concerns directly to Eric for immediate resolution

Diane Purrington - Client AssociateGrant Peterson - Client Associate

The Product-Neutral Advantage

Product-Neutral Approach

Our product-neutral approach is a hands down advantage to your company because we have no incentive to sell one 401k plan over another. Our compensation on all of our plans comes from the mutual fund companies represented inside each plan.

We are able to keep an eye on industry changes and alert you when a new product becomes available that may serve you better.

We will only work with providers that will allow you to have multiple fund families inside your program.

Product-Neutral Approach

We receive no portion of the annual hard-dollar fees charged by the 401(k) programs we present. Therefore we negotiate with the companies to get you the lowest fees possible.

We attempt to renegotiate fees on all of our plans on an annual basis to make sure you are paying as little as possible in annual fees.

Many of our plans now have no fees and terrific fund selection from multiple fund families. We pit 401(k) providers against each other and make them fight for your business.

The Direct Disadvantage

Going ‘direct’ to a fund company can seem like an enticing proposition. However, we feel fund companies can not give true investment recommendations and help employees select an allocation that works in conjunction with their other invested assets.

Many plans that are considered to be at the ‘institutional’ level (more than $50mm in assets) where going direct seems to be a forgone conclusion, have decided that having the advice of an advisor made more sense. (2008 401(k) Benchmarking Survey – Deloitte Consulting)

Direct plans, especially those used by companies with smaller assets sizes, typically restrict investment options to their own ‘house’ mutual funds.

Let us do a free, no obligation, evaluation of your 401k plan.

Free Plan Evaluation

We will do a comprehensive evaluation, reviewing all of the following items:

Annual fees Wrap charges (if applicable) Investment options Investment expenses Investment recommendations Plan features Education and Service

Free Plan Evaluation

Even if you decide not to use our services, you can still put this document in your files to help satisfy your ERISA 404(a) and 404(c) requirements.

If you would like to discuss anything you’ve seen in this presentation or have us prepare your free evaluation, please contact:

Eric W. Harding CRPC®, PRP, Senior Vice President - Investments 800-807-8414 401k.help@wfadvisors.com www.hardingretirementgroup.com

CAR 1011-1982